PEAK HOME LOANS - MARKETING AND SERVICES
AGREEMENT

As of the last date of signature set forth below ("Effective Date"), Peak
Home Loans ("PHL") and the Client identified below ("Client") hereby acknowledge
that they have read and agree to the terms of Schedule A (Specifications
of Service), Schedule B (Fees, Refunds and Payment Terms), and Schedule
C (Terms and Conditions), which are incorporated by reference and all of
which shall together constitute the "Agreement" of the parties.